Amex Rose Gold checklist: 4 things to do when you first get the card
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Editor’s note: This story has been updated with the latest information.
The card now earns 4x transferable Amex Membership Rewards points per dollar spent both at restaurants worldwide and at U.S. supermarkets (up to $25,000 per calendar year, then 1x for the latter). It offers up to $120 in dining credits each calendar year — all with a snazzy metal design. Now, in 2021, the swanky Rose Gold color is back and there is $120 in all-new annual Uber Cash effective this month.
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The Amex Gold has a public welcome offer of 60,000 Membership Rewards points after you spend $4,000 on purchases in the first six months of account opening and an annual fee of $250 (see rates and fees). Based on TPG’s latest valuations, that bonus is worth $1,200.
However, there is also a targeted welcome offer — 75,000 points — after spending $4,000 on eligible purchases in the first three months of account opening for some through the CardMatch Tool (please note that this offer is subject to change at any time).
Enroll in the $120 annual dining credit
With the Amex Gold, you are eligible for up to $10 in monthly statement credits when you use card at participating dining partners.
These partners include Grubhub, Seamless, Boxed, The Cheesecake Factory, Ruth’s Chris Steak House, and participating Shake Shack locations. This statement credit functions similarly to the up-to-$50 Saks credit on the Platinum Card® from American Express in that it isn’t allotted all at once, but instead is spread out across the year in monthly installments.
You need to enroll your card for this perk on the Amex site under “benefits,” so do that as soon as you get your new card.
Set up $120 in annual Uber Cash
New to the Amex Gold, including the fancy Rose Gold option, is $120 in annual Uber Cash, doled out in up-to-$10 monthly increments. These credits can be used not only for Uber rides but also for Uber Eats orders in the U.S.
Unlike the monthly up-to-$10 dining credit that operates as a statement credit when used, this credit instead deposits $10 monthly into your use-or-lose Uber account each month.
In order for this magic to happen, you need to set up your Amex Gold card in your Uber account in the payment section. Here’s a full story walking you through how to set up and use your Amex Gold Uber credits — it’s really easy once you get the card linked in your Uber account.
Additionally, now through Dec. 31, 2021, Amex Gold cardholders can enroll for a complimentary Uber Eats Pass membership* for up to 12 months. This unlocks unlimited free delivery and discounts on orders of $15 or more at eligible restaurants (taxes and service fees may apply and do not count toward order minimum).
Uber Eats Pass will auto-bill starting 12 months from initial enrollment in this offer, at the then-current monthly rate. You don’t have to do that in order to use the monthly $10 credit, but it is an option.
Add Amex Gold as payment with Seamless and Grubhub
If you use the food delivery services Seamless and Grubhub, be sure and set your payment card with them to the Amex Gold, not only to earn 4x points per dollar on dining at restaurants but easily use the up-to-$10 monthly statement credit available at those eligible dining partners.
Memorize the 4x bonus categories
The card earns 4x fully transferable Amex Membership Rewards points per dollar spent on dining and on the first $25,000 spent per calendar year at U.S. supermarkets (then 1x, terms apply). These 4x points per dollar equal an 8% return on spending based on our current TPG point valuations. This includes earning 4x bonus points on grocery delivery services such as Instacart, just in case you prefer to have your groceries appear on your doorstep these days.
The card also earns 3x Membership Rewards points per dollar spent on flights booked directly with airlines or on amextravel.com, which isn’t bad, but isn’t our all-time favorite card for booking air travel.
The Amex Gold is a great card when you need to split a dining bill with friends, as you can be the one to swipe your card and earn 4x points per dollar for the whole bill — but then use the Amex Send & Split feature to get paid back by your friends without anyone having to pay Venmo or PayPal fees.
There aren’t as many tasks to complete when you get your Amex Gold Card as there are when you get an Amex Platinum, but there are still at least four things to do in order to reap the maximum rewards and perks from the powerful — and pretty lovely — credit card.
Additional reporting by Chris Dong.
For rates and fees of the Amex Gold Card, please click here.
Featured photo by The Points Guy.
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